Personal loans in Burlington, ND

About 1,306 people live in Burlington, placing it 38th of 355 Census places in North Dakota. In Burlington, one of 355 Census places in North Dakota, the figure to compare across lenders is the APR, not the advertised rate. Judge Burlington offers on total cost, not on how quickly the money arrives. For the 1,306 people in Burlington, North Dakota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The 2020 count to the 2023 estimate shows about 1.4% growth in Burlington. A larger market lies at Minot, ND about 6 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

What the Census records for Burlington

What follows is Burlington's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.

Getting a loan in Burlington

With about 685 residents per square mile, Burlington is moderately settled, and 4 larger Census places sit within 50 miles. Distance to a branch rarely matters for Burlington's 1,306 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Minot, ND about 6 miles away.

Burlington in state context

Among North Dakota's 355 places, Burlington sits at 38th for population, a share of roughly 0.2% of the state. Its 2020-to-2023 change ranks 38th of 355 North Dakota places, putting it near the 89th percentile for growth. Its roughly 685 residents per square mile place it 96th among North Dakota's places. Within 50 miles sit 39 smaller Census places, alongside the 4 that are larger.

North Dakota consumer-lending rules applied in Burlington

North Dakota has no separate rate rule for Burlington; the sourced rows below are what reach every lender that serves its 1,306 people.

RuleDetailSource
State lending regulatorNorth Dakota Department of Financial Institutions (NDDFI)
Source says: "The Department also licenses and regulates Money Brokers... Deferred Presentment Service Providers (Payday Lenders), Collection Agencies, Debt Settlement Service Providers, and Money Transmitters."
North Dakota Department of Financial Institutions
as of 2026-09-16
Maximum legal interest rate (usury cap)Formula ceiling: 6-month U.S. Treasury bill average + 5.5 percentage points, never less than 7%; NDDFI-published rate for September 2026: 9.204%.
Source says: "The rate is equal to five and one-half percent (5.5%) higher than the current cost of money" and "the maximum allowable interest rate ceiling may not be less than seven (7) percent" (NDDFI Usury Rate page; September 2026 rate 9.204%).
North Dakota Department of Financial Institutions
as of 2026-09-16
Payday lending statusLegal for licensed deferred presentment service providers; fee capped at 20% of amount advanced; max $500 per transaction; $600 aggregate outstanding per customer.
Source says: "A licensee may charge a fee for the deferred presentment service, not to exceed twenty percent of the amount paid to the customer" (N.D.C.C. 13-08-12); "may not disburse more than five hundred dollars to the customer in a deferred presentment service transaction" (13-08-12.3).
North Dakota Legislative Branch
as of 2026-09-16

How a Burlington personal loan is priced

Burlington is a small community of about 1,306 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Burlington's rank of 38th in North Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Burlington decides the split between a comfortable payment and the total interest you pay.

Burlington on the map

The Census Gazetteer records about 1.9 square miles of land within Burlington, with no significant water area listed. That land carries about 685 people per square mile. Fargo, the largest place in North Dakota, is about 234 miles from Burlington. Within 50 miles of Burlington there are 4 larger Census places. Within the same 50 miles lie 39 smaller Census places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Burlington if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Burlington is the same as anywhere in North Dakota.
What loan size can I expect in Burlington?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Burlington?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Burlington cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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